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posts

A review of 2024's over-engineered predictions and a view into 2025

Samir Desai
Feb 20, 2025

LATEST

Bilt to Last
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Bilt to Last

Samir Desai
Jul 10, 2025
Why are we so afraid of helicopters?
posts

Why are we so afraid of helicopters?

Despite them being safe and value optimized, we don't like them

Samir Desai
Jul 7, 2025
The Economics of Monetizing Attention
posts

The Economics of Monetizing Attention

Samir Desai
Jul 6, 2025
Coining a new payments protocol
posts

Coining a new payments protocol

Samir Desai
Jul 4, 2025
Accessing Earned Wage Access (EWA)
posts

Accessing Earned Wage Access (EWA)

Samir Desai
Jun 5, 2025

FEATURED

A review of 2024's over-engineered predictions and a view into 2025

A review of 2024's over-engineered predictions and a view into 2025

posts
Feb 20, 2025
The Business of Free

The Business of Free

posts
May 8, 2024
My fintech startup operator experience from scaling Chime

My fintech startup operator experience from scaling Chime

It's all about unit economics, tradeoffs and ROI

perspectives
Oct 15, 2022
Coining a new payments protocol

Coining a new payments protocol

posts
Jul 4, 2025

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Join operators from Adyen, Block, Chime, Stripe, Unit, Visa and the rest of the fintech ecosystem that read over-engineered posts on fintech, stratfin, tech, Ai and unit economics nerdery

ARCHIVE

Bilt to Last
posts

Bilt to Last

Samir Desai
Jul 10, 2025
Why are we so afraid of helicopters?
posts

Why are we so afraid of helicopters?

Despite them being safe and value optimized, we don't like them

Samir Desai
Jul 7, 2025
The Economics of Monetizing Attention
posts

The Economics of Monetizing Attention

Samir Desai
Jul 6, 2025
Coining a new payments protocol
posts

Coining a new payments protocol

Samir Desai
Jul 4, 2025
Accessing Earned Wage Access (EWA)
posts

Accessing Earned Wage Access (EWA)

Samir Desai
Jun 5, 2025
Predictively IPOable
posts

Predictively IPOable

Chime's IPO was as inevitable as that pun attempt (even though Dan Ariely may shudder)

Samir Desai
May 19, 2025
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Interspace

Over-engineered posts on fintech, stratfin, tech, AI and unit economics nerdery